HVAC Insurance Massachusetts

Choice Insurance Agency

HVAC Insurance in Massachusetts

Offering customized insurance solutions in Massachusetts and beyond.

What is HVAC contractor insurance?

Running an HVAC business requires significant investment, and that investment should be protected when possible. HVAC contractor insurance may help Massachusetts businesses in this industry protect themselves from a myriad of risks.

HVAC contractor insurance is a specialized commercial insurance for the heating, ventilation, and air conditioning industry. HVAC policies usually protect against both property and liability risks.

Which Massachusetts businesses does HVAC business insurance make sense for?

HVAC business insurance is something that most Massachusetts businesses in the HVAC industry should have. This is usually the best way to insure these businesses, and not insuring can prove costly. 

For instance, businesses such as the following commonly get these policies:

  • Residential HVAC service providers
  • Commercial HVAC service providers
  • Air duct cleaners
  • Mini-split retailers and installers
  • HVAC equipment retailers
  • Self-employed HVAC techs

Quotes Available in Massachusetts & Other States

HVAC Insurance Massachusetts

Words from our Clients

Gained a customer for life.

Moved all my personal lines of insurance over to Choice. They found me a set of policies that saved me over $1000/year. Then, Julie took care of my commercial line, jumped through so many hoops and got me a policy for my business at an amazing rate.

Great people, great insurance, great advice, great price.

Kristoffer S., Google Review

Choice insurance has been providing insurance coverage to our commercial real estate business for over 7 years and the service has been tremendous. Peter has always responded quickly and with incredibly aggressive pricing; and with a perspective to assure that we are fully covered for all potential issues without unnecessary coverage and fees. There is such a comfort when working with Peter and his company that our best interest is their top priority.

Mike R., Google Review

I have been a happy customer of Choice Insurance for 12+ years. Peter and the team have been fantastic — always professional and knowledgeable about supporting my business insurance needs as well as our personal, home, car, and condo insurance needs. Peter has helped us with insurance questions related to buying and selling homes, a flood insurance claim, a tree that almost fell on our house and destroyed our fence, and a car accident. Recently, Peter noticed that our condo insurance (inherited from the prior owner) was severely inadequate. He helped us switch to a much better policy within less than a day. And, thank goodness he did. A couple weeks later, I smelled gas outside our home. It was a gas leak that National Grid fixed right away. But, I slept more soundly that night knowing that if the worst had happened, we would be fully covered thanks to Peter! I can’t recommend Choice enough!

Christine A., Google Review
This is our third policy with Peter, he’s awesome!! We started with a policy for a commercial space and added a home insurance and auto policy because of the quality of service that we received.
We highly recommend Choice Insurance Agency for competitive pricing and transparency. Want a great policy and customer service experience look no further.
M. Maxwell, Google Review

Peter and his team are thorough and have a strong sense of urgency for all matters pertaining to our account. Each time we reach out for assistance, our expectations are exceeded. I would recommend his team to anyone.

Chris C., Google Review

I switched to Choice 10 years ago and with 2 teenage drivers we interact frequently. Every time they have made the process quick and effortless. My family and I could not be more pleased.

Matthew P., Google Review
Choice Insurance Agency

We love to hear from our clients! Your feedback helps us continue to improve our service and insurance offerings.

What insurance protections should HVAC businesses look for?

While specific coverage needs may vary, many HVAC businesses can benefit from the following insurance coverages:

  • Commercial Building Coverage: Might protect an office building, storage facility, or other structure that an HVAC business owns.
  • Commercial Contents Coverage: might protect HVAC equipment, tools, appliances in inventory, and other items when they’re located at a business’s property.
  • Contractors Tools and Equipment Coverage: Might protect HVAC equipment and tools when they’re not located at a business’s property.
  • Inland Marine Coverage: Might protect HVAC equipment, tools, and appliances when they’re being transported between locations.
  • Commercial Auto Coverage: This might protect work vans or trucks that an HVAC business owns and uses.
  • General Liability Coverage: Might protect against various accidents that cause harm to other parties or their property.
  • Commercial Umbrella Coverage: Might offer an additional layer of protection, beyond the limits of other liability coverages.

An insurance agent who specializes in HVAC business insurance can help with coverage selection.

What kind of auto coverage should HVAC businesses get?

There are several commercial auto coverage options available. Businesses should look for an option that’s well-suited to the vehicles that the business uses. Suitable options could include cargo van coverage, commercial truck coverage, or another option. This is something that a knowledgeable insurance agent will be able to assist with.

HVAC Insurance Massachusetts

Should HVAC technicians have their own insurance when moonlighting?

HVAC technicians who moonlight on the side generally should get their own insurance policy. Any coverage that an employer has likely won’t apply to additional work that’s outside the scope of employment.

A knowledgeable agent can help technicians find a suitable and affordable policy for the additional work they do.

Should HVAC technicians have their own insurance when subcontracting?

Whether technicians should have their own insurance when subcontracting varies by situation. 

In general, technicians who work as subs should plan on getting their own policy. They’re usually self-employed and frequently aren’t covered by a general contractor’s policy.

Some general contractors may extend their coverage to subcontracting HVAC technicians, though. This is usually done by listing the sub as an “additional insured,” which normally allows the listed party to file a claim against the policy.

Do HVAC policies cover plumbing and gas work?

Not all HVAC policies are set up to cover plumbing and gas work, but this is often an option if technicians are also licensed plumbers. An experienced agent can check which policies would cover plumbing and gas.

How much do HVAC businesses pay for insurance?

Premiums for HVAC business insurance are based on many factors. A business’s location, area serviced, services offered, vehicles, claims history, and many other details can all impact cost.

HVAC businesses can find out how much a policy will cost them by talking with an independent insurance agent. Since an independent agent isn’t linked to any specific insurer, they can check quotes for HVAC policies from several insurers.

Choice Insurance Agency

Where can HVAC businesses in Massachusetts find HVAC contractor insurance?

If you need to insure an HVAC business that’s in Massachusetts, contact the independent insurance agents at Choice Insurance. We’ll make sure you find an HVAC contractor insurance solution that protects you well.

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Have questions or need a quote? No problem! Send our team a message and we’ll reach out shortly with the answers you need.

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